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Discount Rental Car Insurance

How to make an informed choice when you get to the rental desk - your insurance options explained.

When it comes to insurance options at the rental desk, rental companies tend to offer less cover at a higher price. With, not only will you be fully covered by an underwritten insurance policy, but you will also save money!

Below is a summary of our benefits compared to typical rental companies:

1. Regulated Insurance Policies
Our policies are fully underwritten and supplied by registered brand name insurance companies such as AXA, CBL and Aon. In many instances, rental companies are selling self-insurance products which are not regulated by local authorities.

2. Cheaper policies
Our CDW and SCDW are typically much cheaper than what you will be offered at the rental desk - we aim to always be 50% cheaper than other products.

3. Less exclusions! 
Unlike many rental companies, includes common repairs like windscreens & tyres or any extra charges, so you can enjoy your holidays and have a peace of mind!

4. Accident-related fees covers any extra charges you might be facing, such as “premium location surcharges”, administration/processing fees, “loss of use” and other fees whenever there’s damage to repair so you are never left out of pocket.

5. Not at fault but still charged?
In some instances, you may be charged the cost of damage from incidents that were not your fault. Our policies cover any charges your may unfairly incur and seek to recover those costs from the party at fault (either directly or via the rental company). Again, we give you peace of mind, so you don’t have to worry, especially where you are not at fault.  

6. Security Deposits ("Bonds")
Rental companies sometimes pre-authorize/imprint/hold a “bond” (also called a security deposit) if you decline their excess waiver, and sometimes deduct it. The bond can be up to EUR5,000 (large vehicles) but is usually between EUR300 - EUR700 for smaller cars. fully covers the bond up to the policy amount.

7. Third party liability
Some motorhome/campervan rental companies in Australia & New Zealand might charge you for third party property damage charges up to the excess amount. Not to worry - if that’s the case, will refund you for those damages!

Contact Us

Please check if these questions are relevant or scroll down to contact us:

About Our Price Guarantees

How are coverage days calculated?
I found a better price on a policy, will you match it?


What are the benefits?
Who is & Who provides the coverage?
What is the Rating of Our Underwriters?

Alternatives to

How to make an informed choice when you get to the rental desk - your insurance options explained.
Can I rely on Travel Insurance?
Should I just risk it and not get insurance?

Annual Plans

How Do I "Log" Rentals For My Annual Plan?


How do claims work for "Extra Cover" (for USA & Canada)?
How do claims work for "Zero Excess Rental Cover", "No Excess Rental Cover" & "Rental Vehicle Cover"?
When can I expect claims to be settled?
How do I make a claim?
Am I insured if I have more than one accident?
How do I report a claim for "Collision Damage Coverage" (for US Residents)?

Country: Asian Countries

What should I do at the rental desk in Asian Countries

Country: Australia/NZ

How does Excess Reduction & Third Party Insurance work in Australia and New Zealand
What should I do at the rental desk in Australia/NZ?

Country: Canada

How does rental excess & CDW work in Canada? What are my options?
What should I do at the rental desk in Canada?

Country: EU/UK

How does rental excess/CDW work in Europe? What are my waiver options?
What should I do at the rental desk in EU/UK?

Country: Latin American Countries

What should I do at the rental desk in Latin American Countries

Country: Namibia/Africa

How does rental excess & CDW work in Africa? What are my options?

Country: United States

What are the insurance options in the USA? How does the US differ from most other countries?
How Does The Free Roadside Assistance Work for USA Policies?
What is Extra Cover for the USA? What do I say at the rental desk?
What should I do at the rental desk in the US?
What should I do at the rental desk if I am traveling abroad with Collision Damage Coverage (for US Residents)?

Country: Worldwide

What should I do at the rental desk: Introduction

Damage Waivers (CDW, LDW, Super CDW, Super LDW)

What is "excess", "CDW", "LDW", "excess reduction", etc? And what is
How much do I pay if there's an accident?
How do "LDW" and "Super CDW" and "Super LDW" differ from simple "CDW"?

Managing/Cancelling/Modifying Policies

How do I cancel a policy, change dates or add coverage? What if I changed my rental vehicle?
Help, I can't login!
When are the policies issued?
How do I submit my airline rewards program number?
How much coverage do I need?
Are there age or residency restrictions?
Are additional drivers insured?
How do I change the name of the policy holder?
Who is insured? What is insured?
I bought a policy but changed my car. Do I need a new policy?
How do cancellations and refunds work?
What is a refundable deposit/bond? When does it get refunded?
How do I add coverage to my policy?
I have several rentals over a period of time. Do I need a policy for each rental? What if I have several countries to visit?
What are my policy's inclusions?

Personal Accident Insurance

What is PAI (Personal Accident Insurance)?

Supplemental Liability Insurance

What is SLI (Supplementary Liability Insurance)?

Theft Protection

What is Theft Protection?

Third Party Cover

Is "Third Party" included?
Why do rental companies charge a large excess when the repair cost is small? What happens if I'm "not at fault"? Will I get my money back? When?

Types of Vehicles & Types of Rental (Peer To Peer etc)

Are 4x4s Insured? What about unsealed roads?
What types of "rentals" are insured? Car shares? Loan cars from mechanics?

Discount Rental Car Insurance

If your question isn't answered by the above please fill in the below form or give us a call:

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